New Spirit Dental Insurance Plans 2025: Higher Coverage, No Waiting

At Spirit Dental, we believe dental insurance should be simple, straightforward and work when you need it. Our updated dental insurance plans for 2025 have clearer names, higher coverage and the same trusted benefits you count on.

What’s new in Spirit Dental plans for 2025

Clearer plan names: Each plan now highlights its annual maximum in the name (e.g., Spirit Pinnacle PPO 5000) so you know right away how much coverage to expect (see more on how our annual maximums work below).

Higher annual maximums: Our Preventive Plus PPO 1500 and Preferred PPO 3500 plans now come with more annual max coverage dollars to help offset the rising costs of dental care and make it easier for you to get the services you need without breaking the bank.

Implant coverage category: Spirit Dental continues to stand apart by offering no waiting periods for implants. While coverage has been adjusted under this new category, you still have access to your entire annual maximum—unlike most plans that cap or exclude implant coverage altogether.

In-network and out-of-network coverage shown: You can now clearly see your savings whether you choose an in-network or out-of-network dentist. *We do recommend seeing in-network providers as they’ll offer the best rates.

What stays the same

While we made a few minor updates, the core benefits our members love remain unchanged:

• No waiting periods for preventive, basic, major, implant and child ortho services.
• Lifetime deductible you only pay once.
• Extensive Ameritas PPO network with nationwide access to providers and discounted rates.
• Bundle your dental plan with vision coverage from EyeMed for only $7/mo.
• Dental + vision + hearing available with the Spirit Preferred PPO 3500 plan.
• Flexible plans with affordable pricing for any budget.

Bottom line: Spirit Dental continues to deliver straightforward, dependable coverage—without hidden waits or limits—so you can protect your health and your wallet with confidence.

Our updates are designed to make your dental coverage easier to understand and more valuable, without losing the benefits Spirit members have come to count on.

Explore Spirit Dental’s updated plans today and keep your smile rolling into the future.

Frequently asked questions about Spirit Dental insurance plans 2025

How do Spirit Dental’s no wait plans work?

Most dental insurance companies require you to wait several months—or even a full year—before you can use your benefits for certain types of care. These waiting periods often apply to basic, major or implant services, meaning you’re left paying out-of-pocket until the waiting period ends.

With Spirit Dental, there are no waiting periods. That means you’ll enjoy full coverage dental insurance that helps with:

• Preventive care (cleanings, exams, x-rays) is covered from day one.
• Basic services like fillings are covered right away.
• Major services such as crowns, bridges and dentures are available immediately.
• Implants and child orthodontia are also included without waiting in select plans.

This immediate coverage is one of the features that makes Spirit Dental different. Whether you’re facing an unexpected dental need or planning ahead for care, your plan starts working for you as soon as your coverage begins.

Don’t get stuck delaying treatment because of insurance restrictions. You’ll have financial protection from day one, not months down the road. Enjoy peace of mind knowing your plan is ready, fully, when you need it.

Why does in-network matter with Spirit Dental PPO plans?

With a Spirit Dental PPO plan, you have the freedom to see any dentist. But choosing an in-network dentist through the Ameritas PPO network means you’ll enjoy:

• Lower negotiated rates for services (25-50%)
• Predictable costs and claims
• No balance billing surprises
• No referrals needed for specialists

While Spirit Dental gives you the flexibility to see any dentist, staying in-network ensures you get the most value from your plan—helping you save more, avoid surprises and keep your smile healthy with confidence.

How do Spirit Dental’s annual maximums work?

A dental plan’s annual maximum is the total dollar amount your insurance will pay toward your care in a given year. Once you reach that amount, you’re responsible for any additional costs until the next plan year begins.

With Spirit Dental, annual maximums are designed to grow with you—providing more coverage as you stay on the plan. That means with no waiting periods, you’ll get immediate coverage, and the longer you’re a member, the more value you’ll get.

Take the Spirit Preferred PPO 3500 plan as an example:

• Year 1: You start with $1,500 in annual maximum coverage right away.
• Year 2 and beyond: Your annual maximum jumps to $3,500, giving you more coverage dollars for preventive, basic, major and even implant services.

Other Spirit plans, like the Pinnacle PPO 5000, also feature higher annual maximums up to $5,000 after two years, ensuring you have more financial protection as your dental needs grow.

Rising dental costs can add up quickly, especially for major services like crowns, root canals or implants. A higher annual maximum means more of those expenses are covered, protecting your savings and making care more affordable over time.

Spirit Dental plans aren’t just about day-one benefits—they’re built to deliver even greater value in the years ahead.

How Spirit Dental’s lifetime deductible works

Most dental insurance plans require you to pay a deductible every year before your benefits kick in. That means when you reach your anniversary date, you start over—paying out of pocket before your plan begins covering services again.

With Spirit Dental, it works differently. We offer a lifetime deductible, which you only pay once. After you meet it, you’ll never pay it again for as long as you keep your plan.

With a traditional dental plan, you might pay a $50 deductible every year. Over 10 years, that’s $500 in extra costs. With Spirit Dental, you pay your deductible once, and that’s it—saving you money year after year.

So enjoy those fully covered cleanings (up to 3 with select plans) with no additional cost attached.